endowment insurance; endowment assurance

简明释义

人寿定期保险

英英释义

例句

1.Investing in endowment insurance 年金保险 is a smart way to save for your child's education.

投资于endowment insurance 年金保险是为孩子的教育储蓄的明智方法。

2.The endowment assurance 年金保障 policy paid out a lump sum at maturity, providing financial security for the family.

该endowment assurance 年金保障政策在到期时支付了一笔款项，为家庭提供了经济保障。

3.The bank offers various endowment insurance 年金保险 plans tailored to different financial goals.

银行提供多种针对不同财务目标的endowment insurance 年金保险计划。

4.With endowment assurance 年金保障, you can ensure that your beneficiaries receive a payout regardless of when you pass away.

通过endowment assurance 年金保障，您可以确保无论您何时去世，受益人都能获得赔付。

5.Many people opt for endowment insurance 年金保险 because it combines savings with life coverage.

许多人选择endowment insurance 年金保险，因为它将储蓄与人寿保障结合在一起。

作文

Endowment insurance, also known as endowment assurance, is a type of life insurance policy that combines both savings and protection. It is designed to provide a lump sum payment either at the end of a specified term or upon the death of the insured, whichever comes first. This financial product serves dual purposes: it not only offers a safety net for the beneficiaries in case of the policyholder's untimely demise but also acts as a savings plan that matures after a predetermined period.The concept of endowment insurance is rooted in the idea of financial security and planning. Many individuals opt for this type of insurance as a means to ensure that their loved ones are taken care of financially if they were to pass away unexpectedly. Additionally, it encourages disciplined saving habits, as policyholders are required to pay premiums regularly over the term of the policy.One of the significant advantages of endowment assurance is the guaranteed payout. Unlike other investment options that may fluctuate in value, endowment policies provide certainty. At the end of the policy term, the insured receives a guaranteed sum, which can be used for various purposes such as funding a child's education, purchasing a home, or planning for retirement.However, it is essential to understand that endowment insurance typically involves higher premiums compared to pure life insurance policies. This is because part of the premium goes towards building cash value in addition to providing life coverage. Consequently, individuals must assess their financial situation and goals before committing to an endowment policy.Moreover, endowment assurance can be an attractive option for those who wish to save for a specific goal within a fixed timeframe. For example, if someone plans to buy a car in ten years, they can purchase an endowment policy that matures in that time frame. The maturity amount can then be utilized for the intended purchase, thus providing a structured approach to saving.In conclusion, endowment insurance or endowment assurance is a valuable financial tool that offers both protection and savings. It is particularly beneficial for individuals who are looking for a reliable way to secure their family's future while also accumulating wealth over time. However, potential policyholders should carefully evaluate their needs and financial objectives to determine if this type of insurance aligns with their overall financial strategy.

生存保险，也称为生存保证，是一种结合了储蓄和保障的寿险产品。它旨在提供在规定期限结束时或被保险人去世时支付一笔总额，无论哪个先发生。这种金融产品具有双重目的：它不仅为受益人在投保人意外去世时提供安全网，还作为一种储蓄计划，在预定期限后到期。生存保险的概念根植于财务安全和规划的理念。许多人选择这种类型的保险，以确保如果他们意外去世，爱人能够在经济上得到照顾。此外，它还鼓励有纪律的储蓄习惯，因为投保人需要在政策期限内定期支付保费。生存保证的一个显著优势是保证支付。与其他可能波动价值的投资选项不同，生存保险提供了确定性。在保单到期时，被保险人会收到一笔保证金额，这可以用于各种用途，例如资助孩子的教育、购买房屋或退休规划。然而，重要的是要理解，生存保险的保费通常比纯寿险高。这是因为部分保费用于建立现金价值，除了提供生命保障。因此，个人在承诺生存保单之前，必须评估自己的财务状况和目标。此外，生存保证对于那些希望在固定时间内为特定目标储蓄的人来说可能是一个有吸引力的选择。例如，如果某人计划在十年内买车，他们可以购买一份在该时间框架内到期的生存保单。到期金额可以用于预定的购买，从而提供了一种结构化的储蓄方式。总之，生存保险或生存保证是一种有价值的金融工具，既提供保护又能储蓄。对于那些希望在积累财富的同时确保家庭未来的人尤其有利。然而，潜在的投保人应仔细评估他们的需求和财务目标，以确定这种类型的保险是否符合他们的整体财务策略。